Regulatory Analyst / Finance Accounting

Job Description
Working for Pacific Service Credit Union
That includes our members, our employees and the communities we serve. Health insurance coverage:
We provide our employees with 100% premium employer-paid medical, dental, vision, disability and basic life insurance for full-time employees and a low monthly premium for eligible dependents.
1k:
We contribute 3% of your base salary to your 401k account regardless of whether you contribute or not. Bonus program:
Tuition Reimbursement program for employees eligible after six months of service. Employee referral bonus.

Contributions toward your student loans every month by the credit union after six months of service. Full-time employees receive more than two weeks’ vacation per year, 11 paid holidays and 10 days of sick leave. Our Talent Team and our partner – Total Quality Consulting (TQC Team) will review your submitted information and will call or email successful applicants for an interview as soon as possible. After a screening call with TQC, we’ll invite a final number of candidates to our office for an in-person interview or set up a live Zoom meeting with the hiring manager(s).

At Pacific Service Credit Union, we are committed to strategic growth through trust, innovation, and operational excellence. By empowering our internal teams with the tools and support they need to succeed, we strengthen organizational efficiency, ensure compliance, and advance our mission of enhancing member financial well-being. The Senior Financial Analyst is responsible for preparing and delivering financial reporting, performing variance analyses, and producing complex financial models to support business planning and decision-making.

This role leads and supports forecasting and budgeting processes, researches financial trends and performance drivers, develops and maintains analytical tools, and translates complex financial information into actionable insights to inform organizational priorities. The Senior Financial Analyst exercises independent judgment and discretion in evaluating financial data, identifying trends and key performance drivers, and assessing the financial impact of business initiatives.

Working closely with leadership, this role provides expert financial analysis and recommends data-driven insights to support organizational performance. The position supports the team and organization by assisting with day-to-day activities, completing assigned projects, and contributing to efforts that advance organizational goals and uphold core values, while enhancing member/service outcomes. Prepare monthly financial reports and exercise independent judgment to analyze financial results, identify trends, and communicate meaningful insights.

Automate and optimize the processes involved in the preparation of financial reports. Develop analytical frameworks to identify and evaluate key drivers of performance. Develop, maintain, and enhance complex and dynamic financial models for the forecasting and planning processes. Analyze loan and deposit portfolio performance, margin trends, and non-interest income/expense drivers. Prepare financial analysis on enterprise projects and initiatives utilizing fundamental finance concepts, like Net Present Value (NPV) analysis, to evaluate organizational opportunities and support recommendations.

Analyze and interpret variances in actual performance compared to budget and forecasts. Collaborate with cross-functional teams to gather financial information and make recommendations to improve business performance. Demonstrate accountability in your work by taking ownership of responsibilities, setting clear goals, meeting deadlines, and delivering high-quality results. Support and uphold company culture by aligning your work with the credit union’s mission and values, contributing to a positive, high-performing environment.

Demonstrate dependable performance including attendance and punctuality, recognizing that it is essential to organizational excellence and operational success. Comply with all anti-money laundering laws, including the Bank Secrecy Act, OFAC regulations, and the USA PATRIOT Act, as well as all related policies and procedures. Performs special projects and other responsibilities, as directed. works with minimal supervision; Quality of work: helps resolve conflicts productively. Bachelor’s degree in Finance, Economics, or related field, required.

Minimum five (5) years of experience in FP&A or finance division, preferably within the financial services industry. Advanced proficiency in Excel and other Microsoft Office applications. Must be proficient in computer programs (e.g., Microsoft Office Suite). Extensive experience creating complex models, manipulating large data sets, and creating advanced formulas, in Excel. Experience in a credit union or community banking environment. Experience in ProfitStar or Financial Performance Suite. Experience automating Excel workbooks and data flows using Power Query. Proficient in SQL.

Ability to hear and comprehend spoken communication in person and over the phone.

Vision

Ability to view computer screens and read documentation with clarity and accuracy.
Frequent use of telephone headset may be required.
Proficient use of hands and fingers for typing, operating office equipment, and handling documents.

Mobility

Ability to move within the office environment to attend meetings or assist colleagues, as needed.
Occasionally required to lift and carry materials weighing up to 30 lbs.
A work schedule of Monday through Friday, generally 8 a.m. This position is eligible for the credit union's telecommute policy.

Travel Requirements

Less than 5% local travel, required. Limited travel during the work schedule, primarily for training, meetings, or special projects.

Work Environment

This position is based in a climate-controlled office environment with ergonomic workstations in a two-story building with an elevator. Subject to standard background noise found in an office environment. Natural light from large windows, supplemented by artificial lighting to ensure a comfortable working atmosphere.